Methods Of Analysis Of Commercial Banks’ Deposit Portfolio

Abstract

To form and implement a deposit policy, commercial banks need to keep a focus on potential depositors, develop and improve new competitive deposit services and products that will be of interest to different categories of individuals and legal entities, including VIP clients, improve the remote service system, and carry out an active advertising campaign. In addition, in order to conduct an effective deposit policy, it is necessary: firstly, to use such a methodology for analyzing the formation and use of the deposit portfolio, the result of which will be analytical information for decision-making in terms of improving the structure of deposit resources, and, secondly, to evaluate the deposit policy of a commercial bank in order to be competitive at the deposit resources market. Directions of the formation and implementation improvement of the commercial banks' deposit policy are the development of methodical provisions on the analysis of the deposit portfolio to assess the stability of raising deposit resources, efficiency, deposit policy, and to develop practical recommendations regarding the use of information analysis for decision-making on the deposit portfolio management. Developing the theoretical and methodological provisions, the study analyzes the modern scientific idea of improving the methodology for analyzing the deposit portfolio of commercial banks. The author's approach to the formation of a complex methodology for analyzing the deposit portfolio of a commercial bank, which is considered as a continuous cyclical process and includes the proposed stages and directions, is presented.